We just started with ours in August. After spending the $2,000 in 3 months, we have 56,000 points! We have just been using it for every day expenses and paying it off throughout the week. I have been putting an extra $5 on with every payment to pay off the annual fee. We always fly Southwest any time we can so the $99 annual fee was not a big deal to us - the perks are worth it!